Pengaruh Literasi Keuangan Dan Sikap Keuangan Terhadap Perilaku Keuangan Dengan Self-Efficacy Sebagai Variabel Mediasi
DOI:
https://doi.org/10.23887/jimat.v13i01.43398Keywords:
Financial Literacy, Financial Attitudes, Self-Efficacy, Financial BehaviorAbstract
Financial literacy and financial attitudes during this pandemic are very useful in managing all financial income and expenses. This is reflected in the behavior of the person. The independent variables of this research are financial literacy and financial attitude. Financial behavior as the dependent variable and self-efficacy as a mediating variable. This study used 67 samples. The data that has been obtained will be analyzed using the partial least square method. The results of the study stated that each variable of financial literacy, financial attitude, and self-efficacy had a significant positive effect. Financial literacy and financial attitudes have a significant positive effect on self-efficacy. The self-efficacy variable as a parameter of financial literacy on financial behavior states that it partially mediates while the relationship between financial attitudes and behavior is fully mediated by self-efficacy
References
Agarwalla, S. K., Barua, S. K., Jacob, J., & Varma, J.R. (2013). Financial Literacy Among Working Young In Urban India. Indian Institute Of Management Ahmedabad, WP, (2013–10), 2.
Ajzen, Icek. (1985). Chapter 2 From Intentions to Actions: A Theory of Planned Behavior. Springer-Verlag Berlin Heidelberg, 12-36.
Ajzen. (1991). The Theory of Planned Behavior.Organizational Behavior and Human Decision Processes, 50: 179-211.
Atkinson, A., & Messy P. (2012). Measuring financial literacy : Result of the OECD / International Network on Financial Education (INFE) pilot study. OECD working Papers on Finance, Insurance and Private Pensions, No. 15 OECD Publishing.
Atmadja, A. T., Saputra, K. A. K., Tama, G. M., & Paranoan, S. (2021). Influence Of Human Resources, Financial Attitudes, and Coordination on Cooperative Financial Management. The Journal of Asian Finance, Economics, and Business, 8(2), 563-570.
Atmadja, A. T., & Saputra, K. A. K. (2018). Struktur Pengendalian Intern Berbasis Kontrol Religius Magis. Jurnal Riset Akuntansi Aksioma, 17(2), 85-118
Bandura, A. (1986) Social foundations of thought and action: Eaglewood Cliffs, NJ: Prentice-Hall.
Chen, H. &Volpe, R. (1998). An Analysis of Personal Financial Literacy Among College Students, Financial Services Review, Vol. 7 No.2, pp. 107-128.
Delavande et.al. (2008). Preparation for Retirement, Financial Literacy and Cognitive Resource, Michigan Retirement Researh Center Reasearh PaperNo. 2008-190.
Farrell, L., Fry, T. R. L., & Risse, L. (2016). The significance of financial self- efficacy in explaining women’s personal finance behaviour. Journal of Economic Psychology,54, 85–99. doi:10.1016/j.joep.2015.07.001
Flores, C. (2014). First generation college student financial literacy: Impact of self-efficacy and behavior. Washington: Washington State University
Grable, John E. (2000). Financial Risk Tolerance And Additional Factors That Affect Risk Taking In Everyday Money Matters. Journal Of Business And Psychology. 14(4).
Herawati, N.T., Candiasa, I.M., Yadnyana, I.K., &Suharsono. N. (2018). Pengaruh Kualitas Pembelajaran Keuangan dan Literasi Keuangan Terhadap Financial Self Efficacy Mahasiswa Akuntansi. Jurnal Pendidikan Ekonomi, Manajemen Dan Keuangan. 2(2).
Huang, J., Nam, Y., & Sherraden, M. S. (2013). Financial Knowledge and Child Development Account Policy: A Test of Financial Capability. The Journal of Consumer Affairs, 47(1), 1-26.
Hung, A.A., Parker, A.M. and Yoong, J. (2009). Defining and measuring financial literacy. Social Science Research Network, Santa Monica, CA: RAND Corporation. Working Paper: 708.
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs Vol.44 No.2.
Kartawinata, B.R &Mubaraq, M.I. (2018). Pengaruh Kompetensi Keuangan Terhadap Literasi Keuangan Bagi Wanita Di Makassar. Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi, 2(2).
Lusardi., A & Mitchell., O. S. (2013). The Economic Importance Of Financial Literacy: Theory And Evidence. NBER Working Paper No. 18952.
Mukhid, Abd. (2017). Self Efficacy: Perspektif Teori Kognitif Sosial dan Implikasinya terhadap Pendidikan. Jurnal Tadrîs.4(1). 106-122.
OECD. (2012). OECD/INFE high-level principles on national strategies for financial education. OECD Publishing.
Puspita, Gilang., & Isnalita. (2019). Financial Literacy: Pengetahuan, Kepercayaan Diri dan Perilaku Keuangan Mahasiswa Akuntansi. Owner riset dan jurnal akuntansi, 3 (2).
Potrich, A.C. (2016). Development of A Financial Literacy Modal for University Students. Management Research Review. 3(39). 356-379.
Rajna, A., Ezat, W.P.S., Junid, S.A., Moshiri, H., 2011. Financial Management Attitude andPractice among the Medical Practitioners in Public and Private Medical Service in Malaysia,International Journal of Business and Management, 6(8): 105-113.
Ramalho, T. B., & Forte, D. (2018). Financial literacy in Brazil –Do knowledge and self-confidence relate with behavior? RAUSP Management Journal.
Rizkiawati, N. L., & Asandimitra, N. (2018). Pengaruh Demografi, Financial Knowledge, Financial Attitude, Locus of Control Dan Financial Self-Efficacy Terhadap Financial Management Behavior Masyarakat Surabaya. Jurnal Ilmu Manajemen (JIM), 6(3).
Rooij, M.C.J., Lusardi, A. and Alessie, R.J.M. (2011), “Financial literacy and retirement planning in the Netherlands”, Journal of Economic Psychology, Vol. 32 No. 4, pp. 593-608.
Saputra, K. A. K., Jayawarsa, A. K., & Atmadja, A. T. (2019). Resurrection as a fading implication of accountability in financial management for village credit institution. International Journal of Business, Economics and Law, 19(5), 258-268.
Saputra, K. A. K., Subroto, B., Rahman, A. F., & Saraswati, E. (2021). Financial Management Information System, Human Resource Competency And Financial Statement Accountability: A Case Study In Indonesia. The Journal Of Asian Finance, Economics And Business, 8(5), 277-285.
Schmeiser, M. D., & Seligman, J. S. (2013). Using the right yardstick: Assessing financial literacy measures by way of financial well being. Journal of Consumer Affairs, 47(2), 243–262.
Shim, S., Xiao, J. J., Barber, B., & Lyons, A. (2009). Pathways to life success: A conceptual model of financial well-being for young adults. Journal of Applied Developmental Psychology, 30, 708–723.
Tang, N, & Baker, A. (2016). Self-esteem, financial knowledge and financial behavior. Journal of Economic Psychologi, 54, 164-176.
Xiao, J. J., Chen, C., & Sun, L. (2015). Age differences in consumer financial capability International Journal of Consumer Studies, Vol. 39, No. 4, pp. 387-395.
